Should I invest in ICICI Prudential Tax Plan?

We don't give personal investment advice. ICICI Prudential Tax Plan-Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 28.3%. 5-year CAGR: -1.24%.

ICICI Prudential

ICICI Prudential Tax Plan-Dividend

Latest NAV

₹20.9200

As of

3 Jun 2026

4,964 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.05%	-2.11%	+2.06	63 / 90	Q3
1W	-2.01%	-4.12%	+2.10	71 / 87	Q4
2W	-0.62%	-3.75%	+3.13	55 / 87	Q3
1M	-2.88%	-5.60%	+2.73	65 / 87	Q3
3M	-6.89%	-5.40%	-1.50	75 / 87	Q4
6M	-13.79%	-3.98%	-9.81	81 / 89	Q4
YTD	-10.86%	-5.20%	-5.66	77 / 89	Q4
1Y	-13.86%	+1.41%	-15.27	81 / 87	Q4
2Y	-7.57%	-0.15%	-7.42	77 / 86	Q4
3Y	-0.28%	+6.12%	-6.41	74 / 81	Q4
4Y	-0.47%	+7.91%	-8.38	74 / 78	Q4
5Y	-1.24%	+6.94%	-8.19	72 / 77	Q4
7Y	-0.84%	+8.75%	-9.59	74 / 75	Q4
10Y	-0.42%	+8.10%	-8.52	67 / 69	Q4
Inception	-1.62%	+5.86%	-7.48	85 / 91	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-10.86%	-7.12%	-3.73	42 / 47
2025	-3.18%	+1.54%	-4.72	40 / 47
2024	+4.16%	+18.17%	-14.01	47 / 47
2023	+7.76%	+23.46%	-15.70	47 / 49
2022	-9.35%	+0.75%	-10.10	50 / 52
2021	+17.95%	+28.91%	-10.95	49 / 54
2020	-1.44%	+11.40%	-12.84	51 / 56
2019	-5.49%	+2.03%	-7.52	54 / 59
2018	-10.80%	-9.68%	-1.12	37 / 61
2017	+2.94%	+29.95%	-27.01	65 / 65
2016	-3.75%	-0.31%	-3.44	49 / 70

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+2.14%

234 windows

min -63.5% · max 119.3%

44% positive

3-Year rolling

+1.19%

210 windows

min -28.1% · max 23.2%

54% positive

5-Year rolling

+1.23%

185 windows

min -11.6% · max 15.5%

58% positive

7-Year rolling

+1.03%

161 windows

min -8.4% · max 14.4%

58% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.61%

3-year · annualised

Sharpe ratio

-0.47

vs risk-free 6.5%

Sortino ratio

-0.63

Downside-only deviation

Max drawdown

-28.30%

Sep 2024 → Mar 2026

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.9200
2 Jun 2026	₹20.9400
1 Jun 2026	₹20.9500
29 May 2026	₹21.1100
27 May 2026	₹21.3600
26 May 2026	₹21.3700
25 May 2026	₹21.4200
22 May 2026	₹21.1700
21 May 2026	₹21.1100
20 May 2026	₹21.0800

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of ICICI Prudential Tax Plan-Dividend is ₹20.9200. It's a ELSS from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Tax Plan-Dividend has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Tax Plan-Dividend is managed by ICICI Prudential. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Tax Plan-Dividend has delivered a absolute return of -13.86% — -15.27 pp behind the ELSS category average of 1.41%. The fund ranks #81 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Tax Plan-Dividend has delivered a CAGR of -0.28% — -6.41 pp behind the ELSS category average of 6.12%. The fund ranks #74 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Tax Plan-Dividend has delivered a CAGR of -1.24% — -8.19 pp behind the ELSS category average of 6.94%. The fund ranks #72 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Tax Plan-Dividend exactly 10 years ago would be worth approximately ₹95,923 today — a multiplier of 0.96×, based on the 10-year CAGR of -0.42%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in ICICI Prudential Tax Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹549,586 today. That's an XIRR (money-weighted annualised return) of -3.44%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Tax Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,147,920 (multiplier 0.96×). XIRR: -0.88%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Tax Plan-Dividend ranks #72 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.94%; this fund delivered -1.24%.

The worst peak-to-trough decline ICICI Prudential Tax Plan-Dividend has experienced over the last 5-year window is 28.30% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, ICICI Prudential Tax Plan-Dividend averaged 1.23% (best 15.55%, worst -11.58%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -0.48 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Tax Plan-Dividend returned -3.18% — lagging the ELSS category average of 1.54% by 4.72 pp. It ranked #40 of 47 in its category that year.

ICICI Prudential Tax Plan-Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. ICICI Prudential Tax Plan-Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 28.3%. 5-year CAGR: -1.24%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.